About Cardinal

For over two decades, we’ve been bringing merchants, issuers, and shoppers together in an experience where everybody wins.

Meet the Cardinal Authentication Network. This is 3-D Secure done right.

With singular focus, proven technology, and dedicated service, we are continuously raising the bar for payment authentication around the world. We put authentication first because we believe digital commerce should be safe, trusted, and engaging—all while improving the user experience.

As an added bonus, Cardinal is a Visa company. Take advantage of our combined expertise – you’ll get Visa’s risk engine and industry strength plus our focus and experience in payment authentication. This brings added security to digital transactions, while reducing fraud and supporting digital commerce. The cool thing is, Visa and Cardinal offer unparalleled intelligence – combining merchant and issuer data for smarter risk-based decisions for a better consumer experience.